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Idbi Bank Home Loan vs Icici Bank Home Loans Home Loan Comparison | Ambak

The idbi bank vs icici bank home loan comparison: IDBI Bank (1,900+ branches since 1964, Private) offers IDBI Home Loan Interest Saver and Reverse Mortgage; ICICI Bank (6,500+ branches, 17,000+ ATMs, Private) offers ICICI Home Loan, Express Home Loan and Money Saver. Differences lie in schemes, eligibility, digital experience and customer segments.
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Which banks saves you more?

idbi bank vs icici bank: IDBI Bank offers IDBI Home Loan Interest Saver and Reverse Mortgage with OD-linked Interest Saver variant and Reverse Mortgage for senior citizens. ICICI Bank offers ICICI Home Loan, Express Home Loan and Money Saver with instant in-principle approval via iLens. Related search: None. Choice depends on borrower profile, scheme fit and network reach.
Ambak Recommended
IDBI Bank
IDBI Bank
Home Loan
ICICI Bank
ICICI Bank
Home Loan
vs
Home loan comparison between IDBI Bank and ICICI Bank
MetricIDBI BankICICI Bank
Interest Rate
7.35% – 10.05%
7.5% – 9.5%
Interest Rate
7.35% – 10.05%
7.5% – 9.5%
Processing Fee
Rs. 15,000 + GST
5,000 + GST
Processing Fee
Rs. 15,000 + GST
5,000 + GST
Max LTV
Up to 90%
Up to 90%
Max LTV
Up to 90%
Up to 90%
Max Loan Amount
₹2000000 Cr
₹3000000 Cr
Max Loan Amount
₹2000000 Cr
₹3000000 Cr
Min Loan Amount
₹5000 Cr
₹20000 Cr
Min Loan Amount
₹5000 Cr
₹20000 Cr
EMI per Lakh
₹797
₹806
EMI per Lakh
₹797
₹806

Why Choose IDBI Bank Home Loan

IDBI Bank is a Private lender with 1,900+ branches since 1964. Variants include IDBI Home Loan Interest Saver and Reverse Mortgage, designed for salaried, senior citizens and balance-transfer borrowers. Key features include OD-linked Interest Saver variant, Reverse Mortgage for senior citizens and balance transfer with top-up. IDBI Bank suits borrowers looking for reverse mortgage and OD-linked products.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

Why Choose ICICI Bank Home Loan

ICICI Bank is a Private lender with 6,500+ branches, 17,000+ ATMs. Variants include ICICI Home Loan, Express Home Loan and Money Saver, designed for salaried, self-employed and premium buyers. Key features include instant in-principle approval via iLens, step-up and step-down EMI and OD-linked Money Saver variant. ICICI Bank suits borrowers looking for fully digital journey with diverse variants.
  • Lower rates on average. Get access to better-than-advertised rates—typically lower depending on your profile and eligibility.
  • Balance transfer made simple. One form, we fetch offers from 70+ lenders and compute net savings after fees.
  • Human advisors. Complex cases (self-employed, NRI, under-construction) get an expert, not a chatbot.

EMI Calculate IDBI Bank vs ICICI Bank

Home Loan EMI
1.0 Cr
₹5L₹5Cr
20 Years
030
Ambak Recommended
IDBI Bank
IDBI Bank
7.35%
EMI
₹ 79,645
Interest
₹ 91,14,800
Total
₹ 1,91,14,800
Your Total Savings
₹ 2,19,360
ICICI Bank
ICICI Bank
7.5%
EMI
₹ 80,559
Interest
₹ 91,14,800
Total
₹ 1,93,34,160

IDBI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.35% — that's cheaper than ICICI Bank's 7.5%
  • •You pay only ₹797/lakh per month — ₹9 less than ICICI Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹20 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

ICICI Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 5,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 7.5% is slightly higher than IDBI Bank's 7.35%
  • •Monthly EMI of ₹806/lakh is ₹9 more than IDBI Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

Compare IDBI Bank with other banks

Compare ICICI Bank with other banks

IDBI Bank Reviews

4.3 / 5(10 reviews)
LikeWhat people like
  • •Interest starts at 7.35% — that's cheaper than ICICI Bank's 7.5%
  • •You pay only ₹797/lakh per month — ₹9 less than ICICI Bank
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •Loans available up to ₹20 Cr
  • •Processing fee: Rs. 15,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
DislikeWhat people don't like
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns
  • •Prepayment charges can apply if you have a fixed interest rate
  • •High-value loans require detailed income proof

Reviews summarised from buyer forums and listings; personal site visit recommended.

ICICI Bank Reviews

3.8 / 5(10 reviews)
LikeWhat people like
  • •Covers up to 90% of the property cost so you don't need a large upfront amount
  • •You can borrow up to ₹30 Cr — suitable for high-value properties
  • •Processing fee: 5,000 + GST
  • •Simple paperwork — fewer documents needed compared to most banks
  • •Repay over up to 30 years to keep your monthly outgo low
  • •Can transfer your existing home loan here to save on interest
DislikeWhat people don't like
  • •Interest rate of 7.5% is slightly higher than IDBI Bank's 7.35%
  • •Monthly EMI of ₹806/lakh is ₹9 more than IDBI Bank
  • •Self-employed borrowers may face a longer approval process
  • •Fewer branches in smaller cities and towns

Reviews summarised from buyer forums and listings; personal site visit recommended.

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